1/2 + 1 + 5 = A great approach to retirement planning

Over the past few months, I’ve interviewed quite a few people in the ‘industry’ about retirement. This formula (½ + 1 + 5) came up a few times. It makes so much sense that it should become common—as in common sense and common knowledge.

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Seeing your retirement as a gift of time

It can be helpful to see your retirement as a gift of time. Actually, it’s more than helpful—it’s part of the reality of retirement.

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Imagining your retirement can motivate saving for it

A fascinating experiment found that retirees who were encouraged to envisage their retirement wanted to save 31% more of their pay for retirement than those who hadn’t imagined theirs. Visualising can have an impact because it imagines a future possibility. By imagining it, we’re more prepared to make it happen.

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5 answers to the ‘When should I retire?’ question

The ‘When should I retire?’ question can have several answers because it depends on your circumstances—and what you’re planning to do.

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7 steps to produce the life harvest you desire—Step 5

There’s a rule of life that says that the seeds we plant determine the harvest we reap. In talking about life, Og Mandino put it this way, ‘Always do your best, what you plant now you will harvest later.’

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7 steps to produce the life harvest you desire—Step 4

You have to prepare the garden of your mind if your life, as it is now, is not how you want it to be. You need to carefully examine what needs to change in order to produce a different outcome and achieve the goals you set.

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Retirement is likely to be the biggest life change you’ll face

For retirement there’s no set direction; there are no set goals; and there is no one else to tell you what to do. You’re in charge. That’s what makes it one of the biggest life changes you’ll face.

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7 steps to produce the life harvest you desire—Step 3

Once you have established the purpose for each area of your life’s garden, you can begin to plan what the new garden will look like. This includes what type of plants you’ll have, how you’ll arrange them and how many you’ll need. It’s about making choices.

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Retirement trends have lessons for our own retirement

‘Twenty years ago, retirement was still a fixed point in time—you fully retired and went on a cruise to begin a life of leisure for your vision of retirement. It’s very different now.’

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How to break retirement into bite-size pieces

The temptation with retirement is to consider it a 20-year-or-so period of time that’s an empty space to enjoy life. But without thinking and planning, that space could easily become a wasteland. A 20-year-or-so wasteland.

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Retire Notes